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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,415 | $81,358-88.4% | $155,556-93.9% | $80,959-88.4% |
| Participation rate | 37.5% | 66.3%-28.8pp | 78.2%-40.7pp | 67.7%-30.2pp |
| Annual return | 34.59% | 33.39%+1.2pp | 64.84%-30.2pp | 35.67%-1.1pp |
| Employer contribution / active EE | $773 | $3,106-75.1% | $4,675-83.5% | $2,757-72.0% |
| Participant deferral / active EE | $1,361 | $3,455-60.6% | $5,631-75.8% | $4,300-68.4% |
| Admin fee / account holder | $1,687 | $7,994-78.9% | $15,885-89.4% | $6,925-75.6% |